| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | BLUECROSS BLUESHIELD OF TEXAS | — | $84 | $84 | 0.00% |
| TT ELECTRONICS3 | 2900 EAST PLANO PARKWAY, SUITE 200 PLANO, TX 75074 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $7 | $7 | 0.00% |
| DARIN POTTS3 | 100 DETERING STREET, UNIT 2128 HOUSTON, TX 77007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $16K | $16K | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, GA 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 1.12% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (TX) | BLDG 2 STE 600 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $0 | $0 | 0.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $19K | $19K | 4.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | UNUM INSURANCE COMPANY | $7K | $284 | $7K | 9.53% |
| DARIN POTTS3 | 100 DETERING STREET, UNIT 2128 HOUSTON, TX 77007 | UNUM INSURANCE COMPANY | $370 | $0 | $370 | 0.48% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 17.00% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $101 | — | $101 | 1.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 947 | $7.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,160 | $474K |
| Vision | VISION SERVICE PLAN | 685 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 802 | $876K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 802 | $876K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 802 | $876K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 947 | $7.0M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 802 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.